The Best Cash Back Credit Cards In Malaysia 2026

Nowadays there are many Cash Back Credit Cards for different categories and therefore I decided to list the cash back credit cards for different spending pattern.

Before I proceed, I would like to thank one of my follower whom I have bestowed him the titled of Cash Back Credit Card King and he has taught me about Islamic Bank Cash Back Credit Cards-i which can be freaking good. I am an Air Miles fan and therefore I am not bothered with cash back credit cards that earns me less than 5% cash back – I do hold the Maybank AMEX Plat-i for Online Transaction where I will get 8% cash back which is better than any credit cards that earn Enrich Points (My Air Miles Disciples will understand this sentence).

So here are the list of FREE FOR LIFE Best Cash Back Credit Cards in Malaysia 2026 for different categories (you are advised to click on the links provided to learn more and also visit the respective card issuer’s website for latest TnC):

Maybank 2 Cards AMEX Gold or Platinum – earns you 5% Cash Back on weekends capped at RM50 per month for any type of retail transactions including Petrol (BhPetrol, Petronas and Shell), Makan (Grab Food, KFC, Hotels & etc), Movies (TGV), Groceries (Jaya Grocer, Speed 99 & etc), Airlines (Malaysia Airlines, Singapore Airlines & etc), Hotels (Agoda), Telcos (you can now use AMEX at Maxis App to pay your Postpaid Bills), Shopee (to pay for Unifi, Astro, Telcos, Water and etc) and many more places.

Maybank Islamic Ikhwan American Express Platinum Card-i – earns you 8% Cash Back EVERYDAY for Online Transactions capped at RM50 per month except for 2 months during Raya where it will be capped at RM100 per month. This card is great for Grab Rides and Grab Food too besides paying bills at Shopee.

Maybank Islamic Ikhwan Masterard-i – earns you 5% Cash Back on Groceries and Petrol on Friday and Saturday capped at RM50 per month. All Maybank cards earn you nothing for topping up eWallets.

Bank Islam Visa Platinum Credit Card-i – UP TO 5% Cash Back for Online Transaction, Auto Billings, Grocery and Dining where the cash back is capped at RM30 per month. It is imperative that you read the TnC because you may just learn something wonderful. Annual fee is waived subject to a minimum of 12 transactions per annum.

Muamalat EON Visa Infinite-i – 5% Cash Back on Contactless Spend (maximum cashback capped at RM50 per month).

AmBank TRUE Visa Card – 3% cash rebate when you perform online transactions and subject to a maximum cash back of RM30 per month. 

You will earn nothing for topping up eWallets.

Cash Back credit cards are mostly Entry Level cards which are excellent for Essential Expenses such as Petrol, Groceries, Water, Electricity including TNB, Telcos, Broadband and etc. If you spend less than RM3K per month, all you need are Cash Back credit cards to earn FREE Money which can total up to RM2K or more per year.

Click here to Page 4 for The Best Credit Card for Enrich Points

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